Kenyans who have borrowed money from the Higher Education Loans Board (HELB) can check their outstanding loan balance and repayment statement online without visiting HELB offices.
HELB provides a Loanees Portal where beneficiaries can access their balance statement, repayment information, compliance status and clearance details.
How to Check Your HELB Loan Balance Online
To check your outstanding HELB loan balance online:
- Visit the official HELB website.
- Open the Loanees Portal or the HELB self-service section.
- Log in using your registered account details.
- Select the relevant loan or repayment option.
- View your loan balance and repayment statement.
HELB says loan repayment statements are available through its online services, allowing borrowers to keep track of their repayments.
How to Check HELB Loan Balance Using USSD
HELB also provides mobile services through *642#.
Borrowers can dial *642# on their mobile phones and follow the available instructions to access HELB services. HELB’s official information has previously listed loan balance and mini-statement services through the USSD platform.
Users should ensure that they use the correct mobile number and follow the prompts displayed after dialing the USSD code.
How to Check HELB Statement
A HELB loan statement provides information about the borrower’s repayment position.
The statement can help a loanee establish:
- Outstanding loan balance
- Payments already made
- Loan repayment status
- Repayment history
- Any applicable charges
- Whether the loan has been fully cleared
HELB states that loanees can generate statements showing their loan repayment status through its online services.
How to Check HELB Balance Through the HELB Portal
Borrowers can also access HELB services through the online portal.
The current HELB digital system provides account access using an email address or ID number together with a password.
Once logged in, users can access the available self-service options relating to their loan and repayment information.
How to Check HELB Loan Repayment Status
If you are already repaying your HELB loan, checking your repayment statement regularly can help you determine whether your payments have been correctly reflected.
HELB’s current repayment system allows borrowers to make payments through the eCitizen payment gateway, with payment options available through the HELB portal, USSD and HELB mobile application.
After making a payment, HELB says the payment is subsequently allocated to the borrower’s statement.
How to Check If Your HELB Loan Is Fully Paid
Borrowers who believe they have completed repayment should confirm the status directly with HELB.
HELB states that it, rather than an employer, is responsible for confirming completion of loan repayment and issuing a certificate of clearance.
A borrower should therefore not assume that a zero balance or final salary deduction automatically constitutes formal clearance until HELB confirms the repayment status.
What Happens If You Have an Outstanding HELB Balance?
If your account shows an outstanding balance, you should continue making repayments according to the applicable repayment terms.
For employed borrowers, HELB repayments may be made through employer check-off arrangements. Other borrowers can use HELB’s available digital repayment channels.
HELB advises loanees to keep their personal information updated and track their own repayments.
How to Repay Your HELB Loan in 2026
HELB’s current repayment system uses the eCitizen payment gateway.
Borrowers can initiate repayment through:
- HELB USSD — *642#
- HELB mobile application
- HELB online portal
- Employer check-off arrangements
For USSD repayment, HELB directs users to dial *642#, log in, select Loan Repayment, and follow the subsequent payment instructions.
HELB Loan Interest Rate in 2026
HELB announced in August 2026 that its loan interest rate remains at 4%.
Borrowers should therefore check their individual statements to understand the exact amount outstanding rather than relying on the original amount borrowed.
What If Your HELB Balance Is Incorrect?
If you believe your repayment has not been reflected or that the balance shown is incorrect, you can contact HELB for assistance.
The HELB Contact Centre can be reached on 0711 052 000 or through contactcentre@helb.co.ke. HELB also provides services through Huduma Centres across the country.
When making an enquiry, borrowers should have their identification and loan details available to help HELB verify their account.
Frequently Asked Questions
How can I check my HELB loan balance in 2026?
You can check your balance through the HELB online self-service/Loanees Portal or through available HELB mobile services.
Can I check my HELB balance using my phone?
Yes. HELB provides services through *642#, including loan-related self-service options.
How do I get my HELB loan statement?
Log into the HELB online services and access the Loanees Portal to view or generate your repayment statement.
How do I know if my HELB loan is fully paid?
Contact HELB or use its online services to confirm your repayment status. Upon full repayment, HELB issues a certificate of clearance.
What is the HELB interest rate in 2026?
HELB announced in August 2026 that the loan interest rate remains at 4%.
Can I repay my HELB loan online?
Yes. HELB currently allows repayment through its online portal, mobile application and USSD, with payments processed through the eCitizen payment gateway.
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